National Infrastructure

Malaysia’s cashless economy runs on national rails built by PayNet and overseen by Bank Negara Malaysia. This guide explains the RPP, DuitNow, and the plumbing behind every tap, scan, and transfer.

DuitNow is the everyday face of Malaysia’s instant payment system. Here’s a clear breakdown of DuitNow Transfer, QR, AutoDebit, and how cross-border scan-and-pay works.